tax reform and tort reform. >> make it attractive. come on. >> health savings accounts. which are tax-free dollars, so if you decide you want to go to a chiropractor and your health insurance doesn't cover that, your money can go to pay for that rather than the government. >> that's a funny thing. you're right. a free market idea is incredibly simple. it works in every other industry, but it's overcomplicated by thousands of pages of bureaucratic nonsense that keeps people in their professions. >> rather than try and say what's your other idea, we had another idea. it could have been helped and fixed. it was a free market solution, free market health care. >> which was? >> which is what we were doing before. there needed to be some tweaks to it. >> look at bob. >> remove the ban from -- if you're an insurance company in new jersey, you can't sell it in new york. that is ridiculous and stupid. so you move some of those. hold on. >> sorry. >> what's your other alternative, there are plenty of them out there. i don't think any of them are that good. i think the original sys